EXHIBIT 99.1



                             JOINT FILING AGREEMENT

           JOINT FILING  AGREEMENT (this  "Agreement"),  dated as of October 14,
2002  among   Metropolitan   Venture  Partners  II,  L.P.,  a  Delaware  limited
partnership,  Metropolitan Venture Partners (Advisors), L.P., a Delaware limited
partnership and  Metropolitan  Venture  Partners  Corp., a Delaware  corporation
(collectively, the "Joint Filers").

                               W I T N E S S E T H
                               -------------------

            WHEREAS, as of the date hereof, each of the Joint Filers is filing a
Schedule 13D under the Securities Exchange Act of 1934 (the "Exchange Act") with
respect to securities of Direct Insite Corp. (the "Schedule 13D");

           WHEREAS,  each of the Joint Filers is  individually  eligible to file
the Schedule 13D;

            WHEREAS,  each of the Joint  Filers  wishes to file the Schedule 13D
and any  amendments  thereto  jointly and on behalf of each of the Joint Filers,
pursuant to Rule 13d-1(k)(1) under the Exchange Act;

            NOW,  THEREFORE,  in  consideration of these premises and other good
and valuable consideration, the parties hereto agree as follows:

            1. The Joint  Filers  hereby agree that the Schedule 13D is, and any
amendments thereto will be, filed on behalf of each of the Joint Filers pursuant
to Rule 13d-1(k)(1)(iii) under the Exchange Act.

            2. Each of the Joint Filers hereby  acknowledges  that,  pursuant to
Rule  13d-1(k)(1)(i)  under the Exchange Act, it is  responsible  for the timely
filing of the Schedule 13D and any amendments thereto,  and for the completeness
and accuracy of the  information  concerning  it contained  therein,  and is not
responsible for the completeness and accuracy of the information  concerning any
of the other parties  contained  therein,  unless it knows or has reason to know
that such information is inaccurate.

            3. Each of the Joint Filers hereby agrees that this Agreement  shall
be filed as an exhibit to the Schedule  13D,  pursuant to Rule  13d-1(k)(1)(iii)
under the Exchange Act.







            IN WITNESS  WHEREOF,  the parties  have caused this  Agreement to be
executed  individually or by their respective directors hereunto duly authorized
as of the day and year first above written.


         METROPOLITAN VENTURE PARTNES II, L.P.

         By: METROPOLITAN VENTURE PARTNERS (Advisors), L.P., its general partner

         By: METROPOLITAN VENTURE PARTNERS CORP., its general partner


         By: /s/ Michael Levin
            ---------------------------------
            Name:  Michael Levin
            Title: Vice President of Finance


         METROPOLITAN VENTURE PARTNERS (Advisors), L.P.

         By: METROPOLITAN VENTURE PARTNERS CORP., its general partner


         By: /s/ Michael Levin
            ---------------------------------
            Name:  Michael Levin
            Title: Vice President of Finance

         METROPOLITAN VENTURE PARTNERS CORP.


         By: /s/ Michael Levin
            ---------------------------------
            Name:  Michael Levin
            Title: Vice President of Finance